Our Team
At UBCD, our team is driven by purpose and powered by experience. For more than 20 years, we’ve built strong connections between government programs, financial institutions, and private investors to help under-served communities grow, prosper, and reach their full potential.
Our mission is simple: to create opportunity by expanding access to funding, affordable housing, and essential services across the Southeast region. Every project we support helps build stronger neighborhoods, create meaningful jobs, and open doors for families and businesses alike.
Meet the dedicated professionals who bring this mission to life every day, turning partnerships into progress and investment into impact.
Community Housing Capital
Kristina Stone
Director, Community Housing Capital
Kristina has over 25 years of experience in affordable housing finance. She began her lending career in Chicago with the Illinois Housing Development Authority and the Chicago Community Loan Fund. After moving to the Gulf...
Joe Raines
Managing Director, Community Housing Capital
Joe has over 35 years in the financial services industry, focusing on commercial real estate lending and affordable housing. He joined UBCD from Regions Bank, where he was Senior Vice President for 17 years. He...
New Markets Tax Credit
Jeff Keenum
Director, New Markets Tax Credits
Jeff has over 12 years of banking experience in loan underwriting, business development, and asset management. He joined UBCD in 2017 and today plays a key role in the New Markets Tax Credit program, identifying...
Alex Jones
Senior Managing Director, President
Alex has overseen the placement of more than $150mm in Federal New Markets Tax Credits projects across Alabama, Florida and Mississippi. He is a graduate of the Alabama School of Mathematics and Science, Vanderbilt University...